Having just sold our van we rang Safeguard to cancel our policy. I told them that we had recommended them to the new owner (who had indeed arranged insurance with them). Usually there is a £25 cancellation fee but she 'waived' this as a thankyou. We even get a small refund for the unused portion of the insurance (which is only a few weeks anyway) AND we will receive the full NCD that we would have otherwise received. Sometimes life is a little 'yin and yang'